The state of a house can often be understood by the condition of its roof. The first area of your property to be hit in a natural disaster is always the roof. Sometimes, the damage is not always visible to the naked eye.
Nevertheless, if you ever see damage on your roof, be sure to connect with your insurance company or the company that supplied your roofing materials. Thet might still be under warranty.
Fixing a roof is nerve-wracking. However, if you have homeowner’s insurance, your insurance company and roof contractor take care of the repairs. Still, you have to be sure that they work for your benefit and not theirs.
How insurance policies for roof damages work
Damage to roofs can occur in various ways. While most causes are weather, damages can also be caused by accidents or animals. Roofs are generally damaged in sections or patches. While getting your entire roof replaced is the ideal, insurance companies typically try to compromise with cosmetic fixes to restore sections of your roof.
You need to be aware of how your roof can be damaged, especially in a place like Florida. Cusses of damage include:
- Birds, insects or animals
- Faulty roofing materials or installation
- Ventilation problems
- Fallen trees or broken branches
- Strong winds and gusts
Even though insurance companies are obliged to settle claims for most of these, they certain clauses allow them to avoid settling a claim. Many policies have an anti-concurrent clause that allows insurance companies to deny a claim if damages have been incurred from two simultaneous disasters – for example, hail and a flood.
According to section 708.1.1 of the Florida Building Code, any roof that suffers severe damage will need to be replaced. The state also mandates a 25 percent roof restoration rule. So, your insurance company is obliged to cover damages in order to not break the law.
However, the insurer will be excused from repairing worn-out roofs. Roofs pushing 15 to 25 years old will be disqualified from restoration or even renewal of policies.
Tips for Claiming Insurance for Roof Damage
Roofs are considered by insurance companies as one of the important insurable properties. They will push the boundaries to deny your claim or offer you a low settlement.
Here are some tips on how to get a good deal from your insurance company.
- Read your policy: A general homeowner’s insurance policy covers roof damage caused by heavy storms and vandalism. Some of the most common claims are for wind and hail damage. These must be mentioned in your insurance policy in order to receive a full replacement. The age of your roof also determines they type of settlement you get – the younger the roof, the better.
- File your claim ASAP: The moment your see your roof is damaged, the first thing you need to do is file a claim. If catastrophic storms are mentioned in your policy, file a claim immediately. Many other property owners will be calling your insurer with their own claims, and you don’t want to be the last person in line.
- Hire a contractor: While most damages to your roof may be visible, there are many stress points that only a licensed roofing contractor will know about. Hire a local and legitimate contractor or contact a company that can alert you to certain damages. Send them photographs of your damage and ask them to come and examine your roof.
- Document your damage: After you file your claim, your insurance company will look for evidence of the damage. You will need to photograph and record every detail of your roof, possibly with the help of your contractor, to avoid missing invisible areas of damage. You can also take footage of the storm as it happens to confirm your story. Every photo can be added to your project file when you file your claim.
- Get an estimate: Ask your contractor for a detailed estimate of all costs associated with the restoration of your roof. This allows you to be fully transparent with your insurance company. Insurance companies will cover charges for labor, materials, and permits. You should also ask the contractor about when they’ll be doing the repairs.
- Hire an insurance attorney: Get a hold of an insurance attorney after your contact with your roofing contractor. You can file a claim with your insurance company after getting assurance from the attorney that your claim is in good shape, or ask the attorney to file the claim on your behalf.
Why contact an attorney?
To get a fair settlement to fix or replace your roof, contact an insurance attorney. Insurance companies that are primarily focused on denying claims will be challenged by attorneys.
Louis Law Group is a law firm whose attorneys know how to tackle challenging insurance claims. They offer free case evaluations and can win you the compensation you deserve. Contact them at (954) 20676-4179.